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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at Alisa Bank
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Alisa BankTermijndeposito

Deposit · 4 years · Alisa Pankki Oyj · Finland · via Raisin
Open an account at Alisa Bank
Rate
3.20%
4 years fixed
since 16 Sep 2026
Your return on €10,000
€320
per year, annualised · €1,343 total over 4 years
Deposit guarantee
€10,000 fully protected
Finnish scheme

Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank

Your calculation for €10,000

Gross interest over 4 years: €1,343.
Interest built up over 4 years
€ 0€ 500€ 1kstart2 yrs4 yrs€1,343After 1 month: €26.67 rate · balance €10,026.67After 2 months: €53.33 rate · balance €10,053.33

Rate and conditions

BalanceRate
€0 – and up3.20%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
16 Sep 2026
Access
4 years fixed · no early withdrawal
Term
4 years
Minimum deposit
€5,000
Maximum deposit
€100,000
Current account required
no
For whom
new and existing customers
Open via
Raisin (Raisin) · for residents of the Netherlands via Raisin
  • Rente-op-rente. Rente wordt jaarlijks bijgeschreven op het termijndeposito

Deposit guarantee

€10,000 fully protected
Finnish scheme

Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank

Licence and verification
Institution
Alisa Pankki Oyj
Status
Verified European deposit guarantee scheme
Scheme
Talletussuoja (Rahoitusvakausvirasto) (Finland)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsFinancial Stability Authority
source ↗ · 18 Sep 2026
Taxes
Country
Finland
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Finland heft geen bronbelasting op spaarrente van niet-ingezetenen.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.20%2.90% from 2 Sep 2026 until 16 Sep 20263.20% from 16 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.20%2.90% from 2 Sep 2026 until 16 Sep 2026

Other offers from Alisa Bank

Instant access · 1.25% · Raisin3 months · 2.20% · Raisin6 months · 2.30% · Raisin9 months · 2.40% · Raisin1 year · 2.50% · Raisin18 months · 2.75% · Raisin2 years · 3.00% · Raisin3 years · 3.10% · Raisin5 years · 3.30% · Raisin
After 3 months: €80.00 rate · balance €10,080.00After 4 months: €106.67 rate · balance €10,106.67After 5 months: €133.33 rate · balance €10,133.33After 6 months: €160.00 rate · balance €10,160.00After 7 months: €186.67 rate · balance €10,186.67After 8 months: €213.33 rate · balance €10,213.33After 9 months: €240.00 rate · balance €10,240.00After 10 months: €266.67 rate · balance €10,266.67After 11 months: €293.33 rate · balance €10,293.33After 12 months: €320.00 rate · balance €10,320.00After 13 months: €347.52 rate · balance €10,347.52After 14 months: €375.04 rate · balance €10,375.04After 15 months: €402.56 rate · balance €10,402.56After 16 months: €430.08 rate · balance €10,430.08After 17 months: €457.60 rate · balance €10,457.60After 18 months: €485.12 rate · balance €10,485.12After 19 months: €512.64 rate · balance €10,512.64After 20 months: €540.16 rate · balance €10,540.16After 21 months: €567.68 rate · balance €10,567.68After 22 months: €595.20 rate · balance €10,595.20After 23 months: €622.72 rate · balance €10,622.72After 24 months: €650.24 rate · balance €10,650.24After 25 months: €678.64 rate · balance €10,678.64After 26 months: €707.04 rate · balance €10,707.04After 27 months: €735.44 rate · balance €10,735.44After 28 months: €763.84 rate · balance €10,763.84After 29 months: €792.24 rate · balance €10,792.24After 30 months: €820.64 rate · balance €10,820.64After 31 months: €849.04 rate · balance €10,849.04After 32 months: €877.45 rate · balance €10,877.45After 33 months: €905.85 rate · balance €10,905.85After 34 months: €934.25 rate · balance €10,934.25After 35 months: €962.65 rate · balance €10,962.65After 36 months: €991.05 rate · balance €10,991.05After 37 months: €1,020.36 rate · balance €11,020.36After 38 months: €1,049.67 rate · balance €11,049.67After 39 months: €1,078.98 rate · balance €11,078.98After 40 months: €1,108.29 rate · balance €11,108.29After 41 months: €1,137.60 rate · balance €11,137.60After 42 months: €1,166.90 rate · balance €11,166.90After 43 months: €1,196.21 rate · balance €11,196.21After 44 months: €1,225.52 rate · balance €11,225.52After 45 months: €1,254.83 rate · balance €11,254.83After 46 months: €1,284.14 rate · balance €11,284.14After 47 months: €1,313.45 rate · balance €11,313.45After 48 months: €1,342.76 rate · balance €11,342.76
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs4 yrs€1,343After 1 month: €26.67 rate · balance €10,026.67After 2 months: €53.33 rate · balance €10,053.33After 3 months: €80.00 rate · balance €10,080.00After 4 months: €106.67 rate · balance €10,106.67After 5 months: €133.33 rate · balance €10,133.33After 6 months: €160.00 rate · balance €10,160.00After 7 months: €186.67 rate · balance €10,186.67After 8 months: €213.33 rate · balance €10,213.33After 9 months: €240.00 rate · balance €10,240.00After 10 months: €266.67 rate · balance €10,266.67After 11 months: €293.33 rate · balance €10,293.33After 12 months: €320.00 rate · balance €10,320.00After 13 months: €347.52 rate · balance €10,347.52After 14 months: €375.04 rate · balance €10,375.04After 15 months: €402.56 rate · balance €10,402.56After 16 months: €430.08 rate · balance €10,430.08After 17 months: €457.60 rate · balance €10,457.60After 18 months: €485.12 rate · balance €10,485.12After 19 months: €512.64 rate · balance €10,512.64After 20 months: €540.16 rate · balance €10,540.16After 21 months: €567.68 rate · balance €10,567.68After 22 months: €595.20 rate · balance €10,595.20After 23 months: €622.72 rate · balance €10,622.72After 24 months: €650.24 rate · balance €10,650.24After 25 months: €678.64 rate · balance €10,678.64After 26 months: €707.04 rate · balance €10,707.04After 27 months: €735.44 rate · balance €10,735.44After 28 months: €763.84 rate · balance €10,763.84After 29 months: €792.24 rate · balance €10,792.24After 30 months: €820.64 rate · balance €10,820.64After 31 months: €849.04 rate · balance €10,849.04After 32 months: €877.45 rate · balance €10,877.45After 33 months: €905.85 rate · balance €10,905.85After 34 months: €934.25 rate · balance €10,934.25After 35 months: €962.65 rate · balance €10,962.65After 36 months: €991.05 rate · balance €10,991.05After 37 months: €1,020.36 rate · balance €11,020.36After 38 months: €1,049.67 rate · balance €11,049.67After 39 months: €1,078.98 rate · balance €11,078.98After 40 months: €1,108.29 rate · balance €11,108.29After 41 months: €1,137.60 rate · balance €11,137.60After 42 months: €1,166.90 rate · balance €11,166.90After 43 months: €1,196.21 rate · balance €11,196.21After 44 months: €1,225.52 rate · balance €11,225.52After 45 months: €1,254.83 rate · balance €11,254.83After 46 months: €1,284.14 rate · balance €11,284.14After 47 months: €1,313.45 rate · balance €11,313.45After 48 months: €1,342.76 rate · balance €11,342.76
Per year
AfterInterest up to thenBalance
1 year€320€10,320
2 years€650€10,650
3 years€991€10,991
4 years€1,343€11,343

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe

3.20% from 16 Sep 2026 until now
FromRateUntil
16 Sep 20263.20%current
2 Sep 20262.90%16 Sep 2026

All historic rates of Alisa Bank →All savings products of Alisa Bank →

  • 16 Sep 2026Alisa Bank – Termijndeposito (48 mo): 2.90% → 3.20%
  • 2 Sep 2026New: Alisa Bank – Termijndeposito (48 mo) 2.90%

Rate checked on 18 Sep 2026.